Conference Call Santander Acquiring / Conta Integrada. São Paulo, 18 th March of 2010

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1 Conference Call Santander Acquiring / Conta Integrada São Paulo, 18 th March of 2010

2 Positive Macroeconomic Scenario 2 Favorable economic conditions for the development of Cards industry Inflation under control FHC 1 FHC 2 Lula 1 Lula % 22.5% 9.6% 5.2% 1.7% 8.9% 6.0% 7.7% 12.5% 9.3% 7.6% 5.7% 3.1% 4.5% 5.9% Investment Grade 4.3% 4.9% Source: IPCA-IBGE & Central Bank of Brazil Consensus GDP (yoy growth %) Unemployment Rate (%) (e) Source: IBGE Source: IBGE

3 Bancarization and Low Card Penetration 3 Brazil shows low bancarization compared to developed countries Loans & Corporate Bonds/GDP Private sector 210% 22% 39% 50% 89% 111% Mexico Russia Brazil Chile China USA Source: Central Bank of Brazil Increased use of credit cards as means of payment EUA Reino Unido Brasil França México Check Debit Cards Credit Cards Source: Central Bank of Brazil

4 The Brazilian Cards Industry Outlook 4 Higher utilization of cards in private consumption 12.4% 14.0% 15.8% 17.1% 19.1% 21.4% Source : Abecs e IBGE...but below developed countries 47% 43% 34% 2X Canada United Kingdom USA Source: ABECS, Bank of International Settlements,(2007) United Nations, IBGE

5 The Brazilian Cards Industry Outlook 5 Card penetration, average ticket and transactions per card are low in Brazil Number of cards (Millions) ~ 15 million credit cards / year (e) Credit Debit Private Label Total Turnover (R$ Billions) Average Ticket (R$ per transaction) CAGR: 21% CAGR: 4% (e) (e) Credit Debit Private Label Total Credit Debit Private Label Total Source: ABECS (Associação Brasileira das Empresas de Cartões de Crédito e Serviços)

6 Participants of Cards Industry 6 Sets rules for issuers and acquirers Issues credit and debit cards Card Brands Captures and processes transactions Issuers Acquirers Use credit and debit cards Clients Merchants

7 Santander s Experience in Other Countries 7 Sovereign Puerto Rico UK Mexico Totta Colombia Santander Argentina Spain Portugal Santander + Acquiring Partners

8 Acquirers New Model: Santander (Acquiring + Financial Services) 8 Innovative value offer Products and Services + Acquiring + Other POS Capturing Services ACQUIRER SERVICES FINANCIAL SERVICES Banks FINANCIAL SERVICES + ACQUIRING - packaged in a suitable value offer to corporate clients

9 Partnership Santander & GetNet 9 Creation of a Partnership leveraged by GetNet s technological expertise and POS network Brand MASTERCARD License Integrated value offer Acquiring and Banking Business Commercial Model Distribution/Pricing Communication and Media Partnership Time To Market Investment in Capturing Network and Processing Platform Other POS Capturing Services 165 POS (Capturing Terminals )

10 GetNet Tecnologia 10 Entrance in the Acquirer industry through a technological partner - GetNet Tecnologia GETNET TECNOLOGIA Campo Bom RS CORREA DA SILVA GROUP Domestic Capital N&SP Network and Service Provider Customized solutions for capturing, authorization and processing of transactions and information Main Clients: Goodcard, Banco BNG, Serasa, Microsoft, Base Card, Wal- Mart, Brasil Telecom, Claro, Tim, Vivo, Telefonica, Oi, Embratel, CTBC, Amazonia Celular, Banco Matone, etc. Over 800 employees Annual turnover of R$ 2,29 Bn (2009) Technological Platform for capturing, authorizing and the processing of transactions 165 thousand POS Services at Capturing Terminals: - Mobile Recharge - Vale Transporte (transportation ticket) Recharge - PAT Alimentação e Refeição (meal ticket) - Cartão Convênio / Private Label / Cobrand

11 Santander as Issuer and Acquirer 11 Sets rules for issuers and acquirers Issues credit and debit cards Card Brand Captures and processes transactions Issuer Acquirers Uses credit and debit cards Clients Merchant

12 Santander Conta Integrada: Innovative value propose Santander (Acquiring + Financial Services) & Getnet = Capillarity Synergy and corporate client base + technological knowledge 12 A Win-win Relationship: the bank recognizes the financial volume of the client in transactions made with MASTERCARD brand credit card: Reduction of up to 100% of checking account fee for financial transaction volume over R$ 3 thousand/month in each POS 5 days without interest rate charge by using overdraft Guarateed Account or Working Capital limits based on financial transaction volume multiples negotiated in the POS Corporate current account with integrated bank domicile POS connection using both dial-up and/or broadband. SECUNDARY BENEFITS: Competitive rates for prepayment of receivables Prepayment of receivables through POS (pioneer in the market) Call center support to merchants 24hours / 7 days Mobile Recharge SERASA / RECHEQUE* consultancy Regional cards capture * Credit Bureau

13 Santander Conta Integrada: products offering engine for companies 13 Besides seizing the value of a high profitability business, it also provides: Higher transaction financial volume from corporate clients. Loan portfolio growth mitigating the risks. Increase of corporate client base and improvement of the competitive market position. Improvement on the relationship with corporate customers and, consequently, increase of number of products and services per client. Be the first bank of our corporate client.

14 Goals GOALS FOR ,000 new current accounts originated via the acquiring business 300,000 new affiliated merchants ~ R$ 5 billions in loans 10% of market share in the financial transaction volume of the cards

15 Conclusion 15 Santander is the pioneer in launching this acquiring model in Brazil The partnership provides the bank access to a network of more than 160,000 merchants and to GetNet s know how The credit card industry is expected to grow around ~20% p.y. and double its size in 4 years This strategy focuses on strengthening the relationship with SME clients main competitors are banks Santander Conta Integrada Win-Win relationship between the bank and small and middle market companies (SMEs)

16 Investor Relations Avenida Juscelino Kubitschek, 2,235, 10 th floor São Paulo SP Brazil Tel. (55 11)

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